Relationship Manager - SME Coverage

National Bank of Ras Al-Khaimah PJSC; United Arab Emirates; On-site; AED 250,000 - 350,000; Full time

Job summary

A UAE banking institution is seeking an experienced professional to manage and grow a portfolio of SME clients. Duties include analyzing cash flow cycles, providing tailored banking solutions, and driving revenue generation. Candidates should have 7-10 years of experience in SME Banking and a strong understanding of lending products. This role promotes strong client relationships and requires excellent communication skills.

Qualifications

• 7–10 years of experience in SME Banking, business development, and relationship management.
• Proven track record of closing SME deals and managing complex credit relationships.

Responsibilities

• Manage and grow a portfolio of SME clients.
• Analyze clients’ cash flow cycles and recommend optimization strategies.
• Conduct in-depth analysis of clients' business models.

Skills

Understanding of SME banking in UAE

Credit analysis

Financial statements interpretation

Excellent communication skills

Knowledge of UAE regulations

Digital banking familiarity

Negotiation skills

Commercial acumen

Education

Bachelor’s degree in Finance, Economics or Business Administration

MBA or CFA preferred

Job description

Description

About the role

This role is focused on managing and growing a portfolio of SME clients by providing tailored trade finance and working capital solutions. This role involves building strong client relationships, understanding their financial needs, and offering structured trade finance products (such as letters of credit, bank guarantees, supply chain financing, working capital loans, commercial loan) to optimize their liquidity and operational efficiency. The role drives profitability through client‑centric relationship management, cross‑selling initiatives, credit risk oversight, and exceptional service delivery. This role reports to Associate Vice President - SME Coverage.

What You’ll Be Doing

• Develop and maintain strong relationships with SME clients, understanding their trade cycles and working capital requirements.
• Analyze clients’ cash flow cycles and recommend working capital optimization strategies
• Manage and expand a portfolio of SME clients to achieve annual business targets.
• Conduct in‑depth analysis of clients' business models and financial requirements to provide tailored banking solutions
• Identify opportunities to cross‑sell SME banking solutions including POS Lending, Asset‑Backed Lending, Supply Chain Finance, and Cash Management
• Drive revenue generation while upholding strong credit quality standards.
• Prepare comprehensive credit proposals with detailed financial and risk analyses
• Monitor portfolio performance, identify early warning signs, and implement appropriate risk mitigation strategies
• Ensure timely renewal and restructuring of credit facilities in line with internal and regulatory policies
• Partner with internal teams (Credit, Operations, Compliance) to deliver seamless service execution
• Address and resolve client queries promptly to maintain high satisfaction and retention levels
• Maintain up‑to‑date knowledge of market trends, regulations, and industry dynamics
• Utilize insights to provide advisory services and identify opportunities for business growth.

What We’re Looking For

• Bachelor’s degree in Finance, Economics, Business Administration, or a related field (MBA or CFA preferred)
• 7–10 years of experience in SME Banking, including business development and relationship management
• Proven track record of closing SME deals and managing complex credit relationships in the UAE or GCC region

Skills

• Strong understanding of SME banking in UAE and lending products
• Strong understanding of credit analysis, financial statements, and lending structures
• Ability to interpret financial documents (P&L, balance sheets).
• Excellent communication and interpersonal skills.
• Knowledge of UAE regulatory environment and corporate governance standards
• Familiarity with digital banking platforms and financial technology solutions
• Excellent communication, negotiation, and presentation skills
• Strategic thinking with strong commercial acumen
• High ethical standards and integrity
• Sales‑driven with strong negotiation and closing skills